Reply to I need about $20k to get us through a layoff-home equity loan?

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[quote=Anonymous][quote=Anonymous][quote=Anonymous][quote=Anonymous][quote=Anonymous][quote=Anonymous][quote=Anonymous][quote=Anonymous][quote=Anonymous]Cash advances are at 4-5% for the fee and 0% for the balance for a year. Then you find another card. 
Two grow-up people haven't built enough credit to get that from a card? Any card. That's why you build credit and relationship with banks.[/quote]

Op here. Do you know how I find these offers? Do they come in the mail? Our credit scores are 800+, we could charge probably $150k today on all our credit cards but what I need is CASH to pay mortgage and childcare costs.[/quote]

Do your daycares not take credit cards?[/quote]

Op here. My childcare situation is complex and multifaceted, and no, I can’t use credit cards to pay for it.[/quote]

OP, several people have asked you;  how old are your kids?   It seems some people are assuming your kids are infants in full time daycare.   From the above, it sounds like your children's care is a nanny?[/quote]

Why can’t OP say kid’s ages?

It sounds like the DH can cover the mortgage but not childcare. They should be able to go into minimal debt if they cut childcare. It sounds like expensive childcare.[/quote]

She won't say their ages because they aren't newborns like some people were assuming earlier.    Her "small" children are probably 12 or so.[/quote]

Op here. I’m not saying ages because it doesn’t matter. I’m not asking for advice about my childcare situation. I came here asking for advice about what financial vehicle to use to get cash for short term expenses.[/quote]

It does matter.

How old are your kids?[/quote]

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